Discontinued — last reported Q1 '25

Operating

Provision for Credit Losses

UL Solutions Provision for Credit Losses remained flat by 0.0% to $2.75M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 22.2%, from $2.25M to $2.75M. Over 2 years (FY 2023 to FY 2025), Provision for Credit Losses shows an upward trend with a 65.8% CAGR. This is a positive signal — lower values indicate better performance for this metric.

Analysis

StatementCash Flow Statement
SectionOperating
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2013
Last reportedQ1 2025

How to read this metric

An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.

Detailed definition

This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...

Peer comparison

Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.

Metric ID: provision_for_credit_losses_cf

Historical Data

3 years
 FY'23FY'24FY'25
Value$4.00M$9.00M$11.00M
YoY Change—+125.0%+22.2%
Range$4.00M – $11.00M
CAGR+65.8%
Avg YoY Growth+73.6%
Median YoY Growth+73.6%
Current Streak2+ years growth

Frequently Asked Questions

What is UL Solutions's provision for credit losses?
UL Solutions (ULS) reported provision for credit losses of $2.75M in Q4 2025.
How has UL Solutions's provision for credit losses changed year-over-year?
UL Solutions's provision for credit losses increased by 22.2% year-over-year, from $2.25M to $2.75M.
What is the long-term trend for UL Solutions's provision for credit losses?
Over 2 years (2023 to 2025), UL Solutions's provision for credit losses has grown at a 65.8% compound annual growth rate (CAGR), from $4.00M to $11.00M.
What does provision for credit losses mean?
The amount of money a lender sets aside to cover expected losses from unpaid debts.